Net Worth Report - End of 07/06

I don't have much commentary this month. The only noteworthy change is that my house appreciated by $6,000, if you trust zillow.com. And I find that difficult to do, because they say my house has appreciated $17,000 in the past three months. Ignore all that and I've been basically flat over the last quarter. (Still better than the overall market, which has been down about 3% over that period.)

Recall that I'm defining "Adjusted Net Worth" as net worth excluding the value of autos and unvested stock. The "Estimated Contribution" is how much money I believe I'll need to invest in order to meet the following month's ANW target. A declining EC indicates that I'm ahead of plan, and an increasing EC indicates that I need to save more in order to reach my long-term goal.

My credit card balances are 100% backed by time deposits and/or savings accounts earning interest at a higher rate than I'm being charged by the credit card companies. The monthly payment is estimated as 2% of the balance. (Most credit cards are now using a 2% minimum payment, and due to this it is important to have a strong cash flow and/or pay with funds from your credit card arbitrage savings account.)

You can keep track of other personal finance bloggers at NetWorthIQ. I've updated my entry there.